I usually only do commissions now but I've definitely had my fair share of "oh god what do I do next!"
My best tools/advice:
Palette generators- I don't always use every color but they're a nice way to get the vibe of a skin you want to make. Save a color code or two if you really like it. :)
Word generators/name generators- Funny enough, word generators have helped in finding cool combinations of words/concepts that I wouldn't have thought up otherwise. If you see a word/name you like, write it down! There's no harm in it at the end of the day.
Research trends- Don't be afraid to reach out and look at different skin websites/apps to see what's going on in the (idk minecraft fashion world?? lol) You never know where you're gonna get inspiration from. Sometimes I find bases/outfits I enjoy and save them to a folder for future inspiration.
Annndd finally: follow your heart. - This is the most important one!!! Make what you want to make and don't drive yourself to a burnout. Remember to take time to relax and enjoy your art.
I hope this helps even just a little bit!